U.S. Century Bank

Miami, FL · Cert 57369 · Uscb Financial Holdings Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$3.0BAssets

$2.3BLoans

$2.5BDeposits

$263.6MEquity

Loan mix

Deposit mix

NIM

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.7% share · #27 of 86 inst. · $2.5B of $348.8B

1.1% Miami-Dade

0.2% Broward

Earnings: ROA of 1.49%, up 21 bps year over year; NIM at 3.28%.
Asset quality: problem loans at 0.09% of loans (+3 bps YoY), with net charge-offs at 0.02%.

Return on Assets (YTD, annualized)

1.49%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+32 bps YoY

Efficiency Ratio (YTD, annualized)

45.85%-310 bps YoY

Tier 1 Leverage Ratio

9.97%+32 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.28%	1.34%	1.10%	1.56%	1.49%	+21 bps
Return on Equity	15.48%	16.02%	12.93%	17.47%	16.79%	+132 bps
Net Interest Margin	2.96%	2.91%	3.00%	3.20%	3.28%	+32 bps
Efficiency Ratio	48.95%	48.57%	49.21%	46.53%	45.85%	-310 bps
Non-Interest Burden	1.17%	1.14%	1.21%	1.13%	1.19%	+2 bps
Growth
Asset Growth (YoY)	10.59%	10.51%	8.11%	6.23%	10.98%	+38 bps
Loan Growth (YoY)	13.06%	10.33%	10.97%	10.06%	9.89%	-316 bps
Deposit Growth (YoY)	13.72%	15.84%	8.06%	8.08%	5.26%	-847 bps
Asset Quality
Nonperforming Loans / Loans	0.06%	0.06%	0.14%	0.16%	0.09%	+3 bps
Net Charge-Offs / Loans	0.07%	0.04%	0.03%	0.00%	0.02%	-4 bps
Allowance / Loans	1.18%	1.17%	1.16%	1.16%	1.15%	-3 bps
Allowance Coverage of NPLs	18.3x	19.1x	8.1x	7.2x	12.4x	-5.8x
Capital
Tier 1 Leverage Ratio	9.65%	9.63%	9.65%	9.88%	9.97%	+32 bps
Total Risk-Based Capital	13.67%	13.93%	13.67%	13.96%	13.68%	+1 bps
Equity / Assets	8.39%	8.68%	8.90%	9.01%	8.74%	+35 bps
Liquidity & Funding
Loans / Deposits	89.61%	85.53%	92.77%	89.19%	93.56%	+395 bps
Liquid Assets / Assets	7.55%	7.35%	6.68%	7.82%	8.17%	+62 bps
CRE / Total Capital	n/a	449%	456%	448%	n/a	n/a